Scott County moves to new property-casualty program after Liberty Mutual nonrenewal

Scott County Commissioners approved moving the county's property and casualty coverage to a new program after Liberty Mutual and several other carriers either declined to renew or would not underwrite the county’s risk mix.

The change, approved by motion during the meeting, replaces the county's prior placement with a package that combines a self‑insured retention (SIR) style program with a $1,000,000 first-layer limit and a $5,000,000 excess layer. According to the broker presenting the package, property deductibles would increase to $150,000 and liability deductibles to $250,000, with a maximum cap of $500,000 that applies to the program’s pooled deductible exposure. The broker said the total package premium is similar to last year but the county will face higher deductibles and a roughly $24,000 increase across the whole insurance portfolio.

Why it matters: Commissioners were told market conditions and loss history left the county few options. Several national carriers that had insured Scott County in prior years declined to offer coverage for the county's jail risk or raised underwriting barriers. The new…